Not far off.....

vampirotoothus

Hi buy to let mortgage criteria are different to those for a residential mortgage. One I know of did it based on rental income only (no reference to borrowers own income). I'd suggest you ask a mortgage broker. Good luck on your journey V x

savingholmes

Sounds like your pension is heading in the right direction. I'd want the debt gone. How many months emergency fund would the £10k give you?

AntoMac

The forthcoming inheritance is a nice thing to have Emma. I would never tell you what to do but I think getting involved in buying a place to rent out would be more trouble than it’s worth, especially with everything else you have going on. You certainly could make a nice dent in your outstanding debt with some of it.
Like you said, you coped with 45k of debt so you can definitely cope with 27k of debt, particularly as you’re now free from that awful man from your previous diary. 

savingholmes

Sorry that there is a cloud over the inheritance adding to your grief. 

I would be wary of going gung-ho with the money into another property - without having a decent emergency fund & preferably debts cleared. Could you put it away safely for now while you ponder what to do with it? You sound impulsive  and while I can understand not wanting to use it to clear debt and wanting if for something more positive instead - It would be good to know the money is safe somewhere and not at risk.

AntoMac

How sad that your Dad’s siblings were going to do that Emma. Money really can be the root of all evil can’t it!? 

I agree with Savingholmes - Don’t rush to spend your inheritance. I recall your Dad being a lot less hard work than your Mum, so all being well he won’t be pressuring you to do anything specific with it. 

Hopefully the socialising wasn’t as bad as you thought it might be - These things often aren’t 

savingholmes

On the impulsivity thing I would try to get assessed. There may be help out there to help control it better. I am trying to get my own assessment...

savingholmes

I'll send you a pm later when I have more time

badmemory

Why not put the husband thing another way.  Your sisters "settled" for the first person they met.  Doesn't sound quite so impressive does it?  Some of us are better off without an other half as a permanent fixture.

AntoMac

Your family have quite a knack, intentionally or otherwise, of putting you down Emma. Just because you ended up in a very bad marriage doesn’t make them any better than you, and shouldn’t make you feel rubbish.  I just did a quick count up of my siblings and cousins and over half of their marriages didn’t last. I think no better or worse of any of them because of it. Sometimes things just don’t work out.

badmemory

At least now it is possible to get out of a bad marriage, for that I am very grateful!